HSBC truly is appalling. They find the most clever ways of complicating and screwing up the most simple tasks. Their fees are outrageous, customer service is disgusting, branch locations with no parking in the center of each traffic 'hotspot', and inevitably at some point they will do something that takes you 2 months to rectify.
Oh wait, they ARE good at coming to your place to sign you up and do all the paperwork........ but once they HAVE YOU......... its painful being their customer.
HSBC, ShowTime, and getting company furniture were the big 3 mistakes I made when I first got here.